Operatiivriski

Operatiivriski refers to the risk of loss resulting from inadequate or failed internal processes, people, and systems, or from external events. This broad category encompasses a wide range of potential disruptions that can impact an organization's ability to achieve its objectives. It is distinct from strategic risk, which relates to the overall business strategy, and market risk, which arises from market fluctuations.

Examples of operational risks include human error, such as a data entry mistake that leads to financial loss. Process failures can occur when a critical workflow is not followed correctly, causing delays or errors. System failures, like a cyberattack or IT system outage, can halt operations and lead to significant damage. External events, such as natural disasters, regulatory changes, or supplier insolvency, also fall under the umbrella of operational risk.

Effective management of operational risk is crucial for maintaining business continuity, protecting reputation, and ensuring financial stability. Organizations typically implement various controls and procedures to identify, assess, mitigate, and monitor these risks. This can involve robust internal policies, staff training, technology investments, and contingency planning. The goal is to minimize the likelihood and impact of adverse events, thereby safeguarding the organization's performance and long-term viability.